a relentless focus on growth, aiming to increase earnings by double digits on average.
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a global orientation, but with deep local roots in every market where we operate.
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a highly diversified base of earnings that enables us to prosper under difficult market conditions.
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capital employed in higher-margin businesses, each one of which is capable of profitable growth on a stand-alone basis.
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financial strength protected by financial discipline, enabling us to take risks commensurate with rewards to capture attractive opportunities.
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a close watch on our overhead costs, but a willingness to invest prudently in our infrastructure – we spend money like it's our own.
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a focus on technological innovation, seamlessly delivering value to our customers across multiple platforms.
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bureaucracy is discouraged, entrepreneurial thinking is fostered and decision-making is streamlined by an "open-door" management style.
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diversity is embraced, particularly in light of our globality.
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employees think and act like owners because they ARE owners.
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mistakes are tolerated, admitted and addressed before they become real problems.
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people are promoted on their merits rather than on their tenure, and rewarded for their performance within the context of what they can personally control or influence.
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people treat each other with mutual respect and dignity.
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people truly feel that, no matter how large we grow, each and every one of us can make a difference.
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take the company personally. They care about each other, the quality of our products and services, and above all, their value to our customers and shareholders.
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are committed to a strong work ethic and are constantly striving to excel in serving their customers.
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are more interested in teamwork than in internal politics.
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lead by example, giving credit to others for success and assuming personal responsibility for failure.
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have a sense of urgency and excitement, who demonstrate candor, insight and creativity, and thrive in an environment of change, challenge and competition.
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are top performers and are committed to excellence in whatever they do.
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a company with the highest standards of moral and ethical conduct – working to earn client trust, day in and day out. Our word is our bond.
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the leader in global financial services, with market leadership in every one of our major activities, and one of the great companies in the world.
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a company where the best people want to work, and the first choice of where customers want to do business.
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customer centered, providing unparalleled levels of service as a means of protecting and building our business franchise over time.
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an organization with credibility – doing what we say and reporting results with accuracy and objectivity.
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a company dedicated to community service, taking a leadership role in every local community around the world in which we operate, and making each community a better place because we are there.
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